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We'd love to help you get a 2nd Mortgage! Just gives us your name, email, and phone number and we'll be in touch soon.
We'd love to help you get a 2nd Mortgage! Just gives us your name, email, and phone number and we'll be in touch soon.
Consolidate high-interest debt, remodel your home, pay off medical expenses, pay for college and more! A second mortgage allows you to painlessly access money in the equity of your home when you need it. You may be able to even deduct the interest on your taxes.2
Get one-on-one help today by contacting the Credit Union and asking for a Loan Officer.
View a list of our Mortgage Loan Originators.
Download the Mortgage Packet to get started.
1 APR= Annual Percentage Rate is based on a maximum of 80% loan to value and includes a $200.00 document preparation fee. Member is responsible for all expenses incurred to secure the loan. APR does not include prepaid interest. Maximum loan amount of $822,375. Subject to credit approval.
2Consult your tax advisor.
SAFE Act Information
On July 28, 2010 the Nation Credit Union Administration (NCUA) and other Federal Agencies published a final rule to implement the federal registration requirements of the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act). The registration requirements apply to all employees acting in the capacity of a Mortgage Loan Originator (MLO). The S.A.F.E. Act requires all MLOs to register with the Nationwide Mortgage Licensing System and Registry (NMLS). Upon completing this registration, each MLO is provided with a Unique Identifier number from the NMLS. An MLO must provide this Unique Identifier number to each mortgage loan applicant upon request and prior to the employee acting as an MLO.
Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawaii. A minimum opening balance of $50.00 is required to open a Savings Account.
Term | Interest Rate | Points | APR | Monthly Principal & Interest Payment |
Up to 180 months | 7.550% | 0.000% | 7.550% | $935.79 per $100,000.00 borrowed |
1 APR= Annual Percentage Rate is based on a maximum of 80% loan to value and includes a $200.00 document preparation fee. Member is responsible for all expenses incurred to secure the loan. APR does not include prepaid interest. Maximum loan amount of $822,375. Subject to credit approval.
Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawaii. A minimum opening balance of $50.00 is required to open a Savings Account.
Member will be responsible for all expenses incurred to secure the loan. This includes an initial deposit of $800.00 to defray expenses for:
Note: Member will pay before final closing, any outstanding expenses exceeding the $800.00 deposit. Member will be refunded any balance of the $800.00 initial deposit at first disbursement, or any balance can be applied to escrow costs.
Calculate your monthly payments or see how much you can afford.
The Calculator Tools are not guarantees of credit. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Visit your nearest HFS office and request a mortgage packet or download the documents here. The packet contains the information and documents you’ll need to get started. If you have further questions, please call the Credit Union at (808) 930-1400 or set up an appointment with a Loan Officer.
Yes, this is a requirement for all HFS Mortgages.
Yes. Both borrowers must have their own account with HFS where they are the primary account holder. For example, a joint member on an account would need to open their own account where they are the primary member.
Due to the nature of Trust Accounts, these loans will need to be reviewed by legal counsel. Please note that these loans have a lengthier processing time.
Drop us a message anytime with your questions about 2nd Mortgages.
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